BlastPoint's Banking Scorecard

Community Bank, National Association

$10B-$250B Specialty: Commercial NY FDIC cert 6989

Canton, NY

204 branches across NY · PA · VT · IN · MA

137 banks in the $10B-$250B peer group nationally 11 in NY

Community Bank, National Association has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.53% below tier average

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average
- Net Interest Margin 0.32% below tier average
- Efficiency Ratio 2.91% above tier average

Get updates when Community Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Total Assets ?	$17.4B +5.6% YoY +2.5% QoQ	-$29.5B	$47.0B -1.9% YoY	$19.3B +17.3% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$11.0B +6.8% YoY +1.6% QoQ	-$18.3B	$29.4B -0.4% YoY	$8.1B +14.6% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$15.0B +6.6% YoY +3.2% QoQ	-$23.4B	$38.4B -1.6% YoY	$15.1B +16.0% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	1.16% +16.8% YoY +5.2% QoQ	-0.12%	1.28% +18.7% YoY	0.86% +14.3% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.46% +6.1% YoY +2.1% QoQ	-0.32%	3.77% +5.8% YoY	3.45% +7.0% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	56.91% -4.7% YoY -3.3% QoQ	+2.91%	54.01% -3.7% YoY	69.17% -3.6% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	0.49% -32.9% YoY -6.4% QoQ	-0.53%	1.02% -3.8% YoY	1.13% +6.9% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	73.54% +0.2% YoY -1.5% QoQ	-7.25%	80.79% +1.9% YoY	77.98% +0.4% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	25.81% -2.1% YoY -2.3% QoQ	+5.77%	20.04% +0.2% YoY	21.94% +1.2% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.35% -24.7% YoY -6.8% QoQ	-0.37%	0.72% +4.2% YoY	0.73% +4.5% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	11.98% -2.4% YoY -0.4% QoQ	-3.54%	15.51% -0.4% YoY	24.83% +10.8% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.20% +2.3% YoY -74.7% QoQ	-0.02%	0.22% +0.3% YoY	0.21% +9.1% YoY	0.32% +4.1% YoY	62%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 137 peers in $10B-$250B

Top Strengths (1 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 73.54%

Peer Median: 80.79%

#35 of 137 Top 24.8% in $10B-$250B

Top Weaknesses (2 metrics)

109

Tier 1 Capital Ratio

capital

Value: 11.98%

Peer Median: 15.51%

#109 of 137 Bottom 21.2% in $10B-$250B

104

Total Loans

size

Value: $11.04B

Peer Median: $29.36B

#104 of 137 Bottom 24.8% in $10B-$250B